That’s why we’ve made this space simple, honest, and pressure-free. Below you’ll find answers to the questions people ask us most often. If you don’t see what you’re wondering about, just reach out—there’s no wrong question here.
We don't make money off your debt. We're a nonprofit initiative that presents all your options honestly, with no hidden agendas or sales pressure. Our only goal is helping you find the best path forward for your specific situation.
It costs $350 per family. If cost is an issue we will work with you
We help with credit card debt, student loans, medical debt, business debt, tax issues, and mortgage problems. We've worked with cases ranging from $20,000 to over $1,000,000 in debt..
No. We don't provide loans or financial assistance. We connect you with the right solutions and professionals who can actually help your specific situation.
We evaluate ALL your options first, then connect you with the best solution. We might recommend calling a certified credit counseling agency, exploring 0% APR strategies, or connecting with settlement firms when appropriate. It really depends on your unique situation and desired outcome. We will discuss the pros and cons of all your options. We're not tied to any single approach.
Our process involves three focused one-hour meetings: an intake meeting, an assessment meeting, and an action meeting. After that, we connect you with the right resources and provide ongoing support as needed.
It really depends. If you don’t have a good score to begin with, you will most likely see a gradual increase as your debt is paid down. If you go the settlement route your score may initially decrease before it gets better. If you have a clean credit profile (aside for the high utilization) then your score will only get better. We don’t actively work on your credit score. There are some cases where we’ll recommend a 3rd party credit repair agency as part of a larger strategy.
Yes. We work with people at all stages of debt problems, from those just starting to struggle to those facing judgments or foreclosure. In fact, these situations often have specific solutions available.
We can still help. We'll review what happened previously and explore other options. Many people don't realize there are multiple approaches to debt relief beyond what they've already tried.
Yes. We handle both personal and business debt situations. Business debt often has different rules and options, including SBA loans, business credit cards, and specialized settlement approaches.
A bridge loan is a short-term loan (typically 1-2 months) used to pay off high-interest debt so you can qualify for better options like 0% APR credit cards. We only recommend these when the math makes sense and the risk is manageable, there are specific times when this can be the right strategy for you.
We can connect you with qualified tax professionals and explore options like payment plans, settlements, or forgiveness programs. Tax debt requires specialized handling, and we work with experts who know the system.
This is common. Both partners need to be on board for any debt strategy to work long-term.
That's exactly what we help determine. We look at your complete financial picture, explain all options with their pros and cons, and help you make an informed decision. There's no one-size-fits-all answer.
We provide ongoing support and can pivot to different approaches if needed. Most debt solutions have backup options, and we'll be there to help you navigate any challenges that come up.
The cost for our services is around $350 per family. We have sponsors who believe in the need. Please help us help more families by sponsoring a family.